Online Budgeting + Expense Tracking for individuals, families & roommates

Where does all my money go?
We complain about gas-prices. Let us look at some other items we consume without complaining (2008 figures):

Item	Cost / gallon
Gasoline	$4.00	!
Soda Pop can (12 oz - $.75)	$7.99	?
Bottled Water (9 oz - $1.00)	$14.22	??
Coffee / Latte (12 oz - $3.50)	$37.30	???
Printer Ink (1.42 oz - $55.00)	$4,957.74	????
* 128 fl oz = 1 Gallon

Gas is cheaper than soda? Or water?? Or a latte???

FACTS:
1. We throw away money when we don't have good visibility.
2. Creating a budget gives us a handle on our personal finances.
3. Staying on budget gives us control over it!!

Manage your money with XpenseTracker!

XpenseTracker.com offers typical income and expense categories (rent, groceries, eating out...). You can also add categories of your own if you like. You can then set-up budgets - assigning $ amounts to each of these income or expense categories.

At the end of each month, when you have recorded actual income and expense transactions against these categories, XpenseTracker.com will tell you the areas where you exceeded your budget so you can curtail expenses there.

Next month, these budget-values can be carrieed over to the next month easily and automatically . Over a period of time, you will see your financial performance getting better and better.

Why? Because it is so tedious!!

Usually it is done on a personal-finance application (like MS-Money or Quicken). This means that you have to set aside time on your home PC and all of this just seems to be too much of a drain on your time at home.

XpenseTracker.com takes care of this problem. Since XpenseTracker.com is web-based, it can be reached from home, work or school. You can use the islands of time you get at work or school to record expenses as and when they occur during the day.

XpenseTracker.com lets you share your expense tracking information with your spouse or partner. This way both of you can record expenses on a common tracking sheet without being tied to the same PC. And all the data is available to both of you.

There is no need to email spreadsheets between yourselves nor is there any need to use your time together for bean-counting. XpenseTracker.com makes collaborative expense management a breeze.

The web is a great place to collaborate and coordinate! So why not use that for collaborative expense tracking?

Roommates share joint expenses like rent, groceries.... but the way this is done is sooooooo last-century! Individuals incur and record these joint expenses on a note-paper. At month-end these expenses are divided (and all too often, so are the roommates).

XpenseTracker.com resolves this hardship. Each transaction can be logged by anyone sharing the tracking sheet. He/She can "allocate or divide" that expense between the roommates. XpenseTracker.com keeps a running total of these expenses and their distribution. At the end of the month.... BINGO! You have a neat description of what is owed to whom by whom!

Similarly, other areas of collaborative or joint expense tracking can be performed with XpenseTracker.com. Examples are picnics, camping trips, charity fund-raisers.... all of which involve a group of people incurring expenses that are for the whole group which eventually need to be distributed across the group.